Retirement remains top of mind for many Americans, whether they are approaching their so-called "golden years" or have many years to go before leaving the workforce.How much money a person needs to have saved to retire without financial stress is an important consideration in the retirement preparation process, and that can vary depending on various factors, including where someone intends to live and their retirement income sources.A study released this weekby GOBankingRates calculated the amount of money that a "comfortable" retirement would require without income from Social Security factored in and the associated yearly expenses a retiree would face in each U.S. state.RETIREMENT ACCOUNT BALANCES DIP IN THE 1ST QUARTER, BUT SAVERS KEEP CONTRIBUTINGThe analysis comes as Social Security, a common source of retirement income, is looking at potential financing issues with its trust funds in the future. The trustees for Social Security and Medicare recently found that if Social Securitys Old-Age and Survivors Insurance and Disability Insurance trust funds were combined, the trust funds would be able to pay 100% of scheduled benefits until 2034, one year earlier than reported last year. After that, the trust funds would be able to pay only 81% of scheduled benefits, meaning Social Security recipients would see a mandatory 19% cut automatically.For the GOBankingRates study, the benchmark for a "comfortable" retirement was a person holding twice the amount of money as the cost of living expenses.NEARLY HALF OF GENERATION X IS NOT CONFIDENT ABOUT RETIREMENTHawaii tops the list of where the most savings would be necessary to retire "comfortably" at 60 years old without Social Security, while West Virginia, nicknamed the Mountain State, required the least, it said.GOBankingRates found the nest egg that a person would need to accommodate a comfortable retirement at 60 years old sans Social Security in each state.Alabama ($70,492 cost of living per year): $1,409,839Alaska ($110,457 cost of living per year): $2,209,137Arizona ($100,281 cost of living per year): $2,005,627Arkansas ($67,502 cost of living per year): $1,350,045California ($155,117 cost of living per year): $3,102,333Colorado ($114,744 cost of living per year): $2,294,882Connecticut ($105,428 cost of living per year): $2,108,563Delaware ($94,392 cost of living per year): $1,887,834Florida ($97,119 cost of living per year):$1,942,374Georgia ($86,005 cost of living per year): $1,720,096Hawaii ($186,062 cost of living per year):$3,721,237Idaho ($101,912 cost of living per year):$2,038,236Illinois ($79,736 cost of living per year):$1,594,716Indiana ($74,029 cost of living per year):$1,480,575Iowa ($71,373 cost of living per year):$1,427,463Kansas ($71,534 cost of living per year):$1,430,672Kentucky ($71,410 cost of living per year):$1,428,204Louisiana ($67,482 cost of living per year):$1,349,639Maine ($98,612 cost of living per year):$1,972,231Maryland ($101,991 cost of living per year):$2,039,812Massachusetts ($136,626 cost of living):$2,732,517Michigan ($73,780 cost of living per year):$1,475,595Minnesota ($88,321 cost of living per year):$1,766,414Mississippi ($65,523 cost of living per year):$1,310,451Missouri ($73,667 cost of living per year): $1,473,335Montana ($102,916 cost of living per year): $2,058,322Nebraska ($76,792 cost of living per year):$1,535,846Nevada ($103,661 cost of living per year):$2,073,215New Hampshire ($110,761 cost of living per year):$2,215,216New Jersey ($118,338 cost of living per year):$2,366,765New Mexico ($81,627 cost of living per year):$1,632,542New York ($105,619 cost of living per year):$2,112,384North Carolina ($86,857 cost of living per year):$1,737,146North Dakota ($78,734 cost of living per year):$1,574,682Ohio ($73,120 cost of living per year):$1,462,391Oklahoma ($69,161 cost of living per year):$1,383,214Oregon ($111,541 cost of living per year):$2,230,814Pennsylvania ($78,582 cost of living per year):$1,571,642Rhode Island ($109,811 cost of living per year):$2,196,222South Carolina ($81,586 cost of living per year):$1,631,721South Dakota ($81,949 cost of living per year):$1,638,979Tennessee ($81,474 cost of living per year):$1,629,482Texas ($81,985 cost of living per year):$1,639,693Utah ($110,623 cost of living per year):$2,212,458Vermont ($97,999 cost of living per year):$1,959,971Virginia ($96,141 cost of living per year):$1,922,813Washington ($126,952 cost of living per year):$2,539,048West Virginia ($64,715 cost of living per year):$1,294,300Wisconsin ($84,485 cost of living per year):$1,689,700Wyoming ($88,792 cost of living per year):$1,775,841In early June, a Gallup survey found 50% of non-retired U.S. adults that own a retirement savings account felt they "expect to have enough to live comfortably in retirement."STUDY SHOWS HOW LONG SOCIAL SECURITY, $1.5M NEST EGG WOULD LAST IN 50 STATESConfidence was lower among those that lacked a retirement savings account, with only 31% reporting they anticipated having sufficient funds for comfortable golden years.Eric Revell contributed to this report.